आवर्ती जमा बनाम सावधि जमा: कौन सा बेहतर है?

Updated on August 30, 2026 , 11127 views

आवर्ती जमा बनाम सावधि जमा? सोच रहे हैं कि अपना पैसा कहां बचाएं? खैर, कई बार निवेशक भ्रमित हो जाते हैं कि आवर्ती जमा (आरडी) में निवेश करें या सावधि जमा (एफडी) हालांकि वे सबसे लोकप्रिय बचत योजनाएं हैं, विशेष रूप से जोखिम से बचने वाले निवेशकों के बीच, यह समझना महत्वपूर्ण है कि आरडी और एफडी एक दूसरे से कैसे भिन्न हैं और कौन सा बेहतर हैनिवेश विकल्प।

आवर्ती जमा (आरडी)

आरडी एक हैवित्तीय साधन मुख्य रूप से बचत को प्रोत्साहित करने की दिशा में निर्देशित। इस योजना में, निवेशकों के पास हर महीने एक विशिष्ट राशि को या तो एक में बचाने की सुविधा होती हैबैंकया वित्तीय संस्थान का आरडी खाता पूर्व निर्धारित अवधि के लिए और इस राशि पर ब्याज अर्जित करें। परिपक्वता पर, मूल राशि के साथ ब्याज का भुगतान किया जाता है।

सावधि जमा (एफडी)

सावधि जमा एक प्रकार के वित्तीय साधन हैं जो बैंकों द्वारा एक निश्चित पूर्वनिर्धारित अवधि के लिए प्रदान किए जाते हैं और aब्याज की निश्चित दर. इस योजना में FD खाता बनाते समय एक बार एक निश्चित राशि जमा की जाती है। कार्यकाल के अंत में, चुने हुए कार्यकाल के लिए ब्याज राशि की गणना मूल राशि के साथ की जाती है और कुल राशि का भुगतान संचयी रूप से किया जाता है।

आवर्ती जमा बनाम सावधि जमा

मापदंडों	आवर्ती जमा (आरडी)	सावधि जमा (एफडी)
कार्यकाल	आरडी का कार्यकाल आमतौर पर 6 महीने से लेकर 10 साल तक होता है	FD योजना का कार्यकाल 7 दिनों से 10 वर्ष के बीच होता है
ब्याज गणना	कंपाउंडिंग आम तौर पर आरडी योजना के लिए हर तिमाही पर ब्याज मिलता है	FD में, चक्रवृद्धि ब्याज की गणना हर साल अर्जित ब्याज पर की जाती है
पात्रता	सभी निवासी भारतीय और हिंदू अविभाजित परिवार (HUF) RD खाता खोलने के पात्र हैं। यह खाता नाबालिगों के लिए उनके माता-पिता या कानूनी अभिभावकों द्वारा भी खोला जा सकता है	सभी निवासी भारतीय और हिंदू अविभाजित परिवार (एचयूएफ) एक सावधि जमा खाता खोलने के पात्र हैं
कर लाभ	इस योजना में कोई कर लाभ नहीं दिया जाता है	सावधि जमा के लिए, के तहत कर छूटधारा 80सी काआयकर अधिनियम 1961 लागू है। यह 5 साल से अधिक की जमाराशियों के लिए लागू है (मौजूदा कानूनों के अनुसार)
प्रतिफल दर	ब्याज दर FD के समान है लेकिन आमतौर पर, कार्यकाल और मासिक निवेश राशि पर निर्भर करती है	ब्याज दर RD के समान है लेकिन निर्भर करती हैराजधानी और कार्यकाल चुना गया
अतिरिक्त लाभ	अधिकांश बैंक जमा मूल्य के 90% तक ऋण प्रदान करते हैं	अधिकांश बैंक जमा मूल्य के 70% - 90% तक ऋण प्रदान करते हैं।
निकासी	कुछ मामलों में, बिना दंड के समय से पहले निकासी की अनुमति है। जबकि कुछ बैंक जुर्माना लगा सकते हैं	दंड के साथ समयपूर्व निकासी की अनुमति है
आय रुचि	आरडी पर अर्जित ब्याज कर योग्य है और अधिकांश बैंक टीडीएस काटते हैं	FD पर अर्जित ब्याज कर योग्य है और अधिकांश बैंक TDS काटते हैं

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आवर्ती जमा बनाम सावधि जमा: अधिक कमाई कहां से करें?

चूंकि आरडी और एफडी दोनों जोखिम से बचने वाले निवेशकों के लिए उपयुक्त हैं, इसलिए अंतिम विकल्प किसी की जरूरतों पर निर्भर करता है। एक FD खाते में, जमा की गई प्रारंभिक एकमुश्त राशि पर ब्याज संयोजित होता है। जमा की गई पूरी राशि पर एक साल का ब्याज मिलता है। हालांकि, आरडी में, केवल पहली जमा राशि पर पहले साल यानी 12 महीने के लिए ब्याज मिलता है। दूसरी जमा राशि पर 11 महीने के लिए, तीसरे पर 10 महीने के लिए ब्याज मिलता है, इत्यादि। कंपाउंडिंग प्रभाव सावधि जमा को निवेशकों के लिए उच्च रिटर्न उत्पन्न करने में सक्षम बनाता है।

हालांकि समय के साथ, कोई व्यक्ति सावधि जमा (उदाहरण नीचे दिखाया गया है) के साथ अधिक पैसा कमा सकता है, लेकिन इसमें मासिक छोटी राशि जमा करने में सक्षम होने के मामले में आवर्ती जमा खाते की लचीलापन नहीं है। इसलिए, जिनके पास निवेश करने के लिए एकमुश्त राशि नहीं है, वे मासिक निवेश को प्राथमिकता दे सकते हैं।

बेहतर समझ के लिए, हमने दोनों योजनाओं में अंतर को स्पष्ट किया है। इसलिए उपयोगकर्ता स्पष्ट रूप से समझ सकते हैं और अच्छी तरह से चुन सकते हैं।

चित्रण:

आइए मान लें कि आप निवेश करते हैंINR 1000 (मासिक एक वर्ष के लिए) एक आवर्ती जमा में और आपने एकमुश्त निवेश किया हैINR 12,000 वर्ष की शुरुआत में सावधि जमा में। ये दोनों उत्पाद आपको तिमाही चक्रवृद्धि ब्याज 9 प्रतिशत प्रदान करते हैं। ऐसाआय इन दो योजनाओं में से नीचे दिया गया है-

विवरण	आवर्ती जमा (आरडी)	सावधि जमा (एफडी)
निवेश की गई राशि	INR 5,000 (मासिक)	INR 60,000 (एकमुश्त)
कार्यकाल	12 महीने	12 महीने
वार्षिक ब्याज दरें	6%	6%
अर्जित की गई कुल राशि	INR 61,986	INR 63,701
शुद्ध लाभ	INR 1,986	INR 3,701

अब जब आप RD और FD के बीच मुख्य अंतर जानते हैं, तो आप किसी एक को चुन सकते हैं और समझदारी से निवेश कर सकते हैं। हालांकि FD, RD की तुलना में बेहतर ग्रोथ देता है, लेकिन ज्यादातर समय, आपकी सभी जरूरतों को पूरा करने के लिए किसी एक इंस्ट्रूमेंट के लिए संभव नहीं है। इसलिए, जब आपके पास निवेश करने के लिए एकमुश्त राशि नहीं है, तो आप हर महीने अपनी आय में से एक छोटी राशि बचा सकते हैं और एक आवर्ती जमा में निवेश कर सकते हैं!

अन्य विकल्प

लिक्विड/अल्ट्रा शॉर्ट डेट म्यूचुअल फंड

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹18,189 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.35% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 0.81 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~45%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.2%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (01 Sep 26)	₹590.145 ↑ 0.18 (0.03 %)
Net Assets (Cr)	₹18,189 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,392
31 Aug 23	₹11,106
31 Aug 24	₹11,931
31 Aug 25	₹12,877
31 Aug 26	₹13,697

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.3%
1 Year	6.3%
3 Year	7.2%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	44.74%
Debt	55.26%

Debt Sector Allocation

Sector	Value
Corporate	62.79%
Cash Equivalent	21.61%
Government	15.59%

Credit Quality

Rating	Value
AA	33.23%
AAA	66.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹846 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹736 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹532 Cr	52,500
Vedanta Limited Debentures \| -	2%	₹451 Cr	44,500 ↑ 12,000
HDFC Bank Ltd. Debentures \| -	2%	₹447 Cr	9,000 ↑ 9,000
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹324 Cr	32,500 ↓ -2,500
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	1%	₹299 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹281 Cr	28,000 ↓ -500

2. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Ultra Short Duration Fund

Upper mid AUM (₹11,659 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.19% (lower mid).
1M return: 0.55% (lower mid).
Sharpe: 0.72 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.31% (top quartile).
Modified duration: 0.47 yrs (lower mid).
Average maturity: 0.63 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.3%).

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (01 Sep 26)	₹4,323.81 ↑ 1.24 (0.03 %)
Net Assets (Cr)	₹11,659 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	0.72
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.31%
Effective Maturity	7 Months 18 Days
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,393
31 Aug 23	₹11,057
31 Aug 24	₹11,832
31 Aug 25	₹12,682
31 Aug 26	₹13,469

Nippon India Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.3%
1 Year	6.2%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.84 Yr.
Kinjal Desai	25 May 18	8.19 Yr.
Akshay Sharma	1 Dec 22	3.67 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	49.18%
Debt	50.56%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	63.53%
Cash Equivalent	25.76%
Government	10.46%

Credit Quality

Rating	Value
AA	32.64%
AAA	67.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	3%	₹399 Cr	40,000,000
Nirma Limited Debentures \| -	3%	₹347 Cr	34,600
Vedanta Aluminium Metal Limited Debentures \| -	2%	₹291 Cr	29,000 ↑ 5,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹251 Cr	25,000
Tbill Sovereign Bonds \| -	2%	₹249 Cr	25,000,000
Indian Bank Domestic Bonds \| -	2%	₹247 Cr	5,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400
Small Industries Development Bank of India Debentures \| -	2%	₹233 Cr	5,000 ↑ 5,000
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000
HDFC Bank Ltd. Debentures \| -	2%	₹199 Cr	4,000

3. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹15,708 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.02% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.23% (upper mid).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.56 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~57%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (01 Sep 26)	₹45.9434 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹15,708 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	0.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.23%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,357
31 Aug 23	₹11,036
31 Aug 24	₹11,807
31 Aug 25	₹12,658
31 Aug 26	₹13,421

Kotak Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.2%
1 Year	6%
3 Year	6.7%
5 Year	6.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	3 Aug 26	0 Yr.
Manu Sharma	3 Aug 26	0 Yr.

Data below for Kotak Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	57.22%
Debt	42.48%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	56.74%
Cash Equivalent	23.7%
Government	19.27%

Credit Quality

Rating	Value
AA	18.26%
AAA	81.74%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹577 Cr	57,500
India (Republic of) - \| -	3%	₹511 Cr	52,490,600 ↑ 52,490,600
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹448 Cr	45,000,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹301 Cr	30,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹299 Cr	30,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹205 Cr	210
Vedanta Aluminium Metal Limited Debentures \| -	1%	₹201 Cr	20,000
TATA Projects Limited Debentures \| -	1%	₹200 Cr	20,000 ↑ 20,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹200 Cr	20,000

4. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹15,455 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.27% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 0.81 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.17% (upper mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.55 yrs (lower mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.1%).

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (01 Sep 26)	₹29.7737 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹15,455 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	7.17%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,380
31 Aug 23	₹11,069
31 Aug 24	₹11,869
31 Aug 25	₹12,755
31 Aug 26	₹13,556

ICICI Prudential Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.3%
1 Year	6.3%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.1%
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.71 Yr.
Ritesh Lunawat	15 Jun 17	9.13 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	83.62%
Debt	16.07%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	61.01%
Cash Equivalent	48.58%

Credit Quality

Rating	Value
AA	19.81%
AAA	80.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹497 Cr	50,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹343 Cr	34,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹326 Cr	32,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
India (Republic of) - \| -	2%	₹297 Cr	30,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹271 Cr	275
Muthoot Finance Limited Debentures \| -	2%	₹251 Cr	25,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹251 Cr	25,000 ↑ 10,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹244 Cr	5,000

5. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for UTI Ultra Short Term Fund

Bottom quartile AUM (₹3,444 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 5.97% (bottom quartile).
1M return: 0.57% (upper mid).
Sharpe: 0.35 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.56 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~5.6%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (01 Sep 26)	₹4,539.39 ↑ 1.56 (0.03 %)
Net Assets (Cr)	₹3,444 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.35
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,623
31 Aug 23	₹11,302
31 Aug 24	₹12,090
31 Aug 25	₹12,952
31 Aug 26	₹13,727

UTI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.2%
1 Year	6%
3 Year	6.7%
5 Year	6.5%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.03 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	56.15%
Debt	43.47%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	65.09%
Government	20.3%
Cash Equivalent	14.23%

Credit Quality

Rating	Value
AA	27.31%
AAA	72.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹197 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	4%	₹145 Cr	1,500,000,000
Godrej Properties Limited Debentures \| -	3%	₹100 Cr	10,000
Piramal Finance Limited Debentures \| -	2%	₹85 Cr	8,500
Nuvama Wealth Finance Limited Debentures \| -	2%	₹76 Cr	7,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500 ↑ 7,500
Ujjivan Small Finance Bank Limited Debentures \| -	2%	₹73 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500

6. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Liquid Fund

Top quartile AUM (₹16,809 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (top quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 2.31 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 0.17 yrs (top quartile).
Average maturity: 0.17 yrs (top quartile).
Exit load: NIL.
Top sector: Consumer Defensive.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.9%).

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (01 Sep 26)	₹5,069.61 ↑ 1.19 (0.02 %)
Net Assets (Cr)	₹16,809 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	2.31
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,378
31 Aug 23	₹11,067
31 Aug 24	₹11,881
31 Aug 25	₹12,696
31 Aug 26	₹13,504

LIC MF Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for LIC MF Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.4%
2024	7.4%
2023	7%
2022	4.7%
2021	3.3%
2020	4.3%
2019	6.5%
2018	7.3%
2017	6.6%
2016	7.6%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	10.91 Yr.
Aakash Dhulia	1 Sep 25	1 Yr.

Data below for LIC MF Liquid Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	97.22%
Debt	2.58%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.92%
Government	14.14%
Corporate	11.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹989 Cr	100,000,000
Reverse Repo CBLO/Reverse Repo \| -	5%	₹824 Cr
Treps CBLO/Reverse Repo \| -	4%	₹693 Cr
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹499 Cr	10,000
Motilal Oswal Financial Services Ltd Commercial Paper \| -	3%	₹497 Cr	10,000
NTPC Ltd. Commercial Paper \| -	3%	₹447 Cr	9,000
Small Industries Development Bank of India Debentures \| -	2%	₹395 Cr	8,000 ↑ 8,000
India (Republic of) - \| -	2%	₹395 Cr	40,000,000 ↑ 40,000,000
Titan Co Ltd. Commercial Paper \| -	2%	₹373 Cr	7,500
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹349 Cr	7,000

7. DSP Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP Money Manager Fund

Lower mid AUM (₹4,456 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.93% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 0.24 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.07% (lower mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.05 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.74% Govt Stock 2026 (~2.7%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (01 Sep 26)	₹3,644.73 ↑ 1.21 (0.03 %)
Net Assets (Cr)	₹4,456 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	18 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,317
31 Aug 23	₹10,955
31 Aug 24	₹11,713
31 Aug 25	₹12,545
31 Aug 26	₹13,290

DSP Money Manager Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for DSP Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.3%
1 Year	5.9%
3 Year	6.7%
5 Year	5.9%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5.17 Yr.
Shalini Vasanta	1 Jan 25	1.58 Yr.

Data below for DSP Money Manager Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	56.26%
Debt	43.74%

Debt Sector Allocation

Sector	Value
Corporate	64.59%
Government	18.67%
Cash Equivalent	16.74%

Credit Quality

Rating	Value
AA	17.79%
AAA	82.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.74% Govt Stock 2026 Sovereign Bonds \| -	3%	₹127 Cr	12,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹87 Cr	8,000
LIC Housing Finance Ltd Debentures \| -	2%	₹86 Cr	850 ↑ 500
Aditya Birla Renewables Limited Debentures \| -	2%	₹81 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹80 Cr	7,500
6.38% Maharashtra Sdl 2027 Sovereign Bonds \| -	2%	₹78 Cr	7,500,000 ↑ 7,500,000
360 One Prime Limited Debentures \| -	2%	₹76 Cr	7,500
Piramal Finance Limited Debentures \| -	1%	₹59 Cr	5,500
LIC Housing Finance Ltd Debentures \| -	1%	₹53 Cr	5,000
Nuvama Wealth And Investment Limited Debentures \| -	1%	₹53 Cr	5,000

8. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,073 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.16% (lower mid).
1M return: 0.61% (top quartile).
Sharpe: 0.56 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.03% (bottom quartile).
Modified duration: 0.42 yrs (upper mid).
Average maturity: 0.44 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~67%).
High-quality debt (AAA/AA ~100%).
Largest holding Pipeline Infrastructure Limited (~4.5%).

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (01 Sep 26)	₹2,894.55 ↑ 0.99 (0.03 %)
Net Assets (Cr)	₹1,073 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.03%
Effective Maturity	5 Months 7 Days
Modified Duration	5 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,324
31 Aug 23	₹10,972
31 Aug 24	₹11,760
31 Aug 25	₹12,620
31 Aug 26	₹13,399

Invesco India Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.4%
1 Year	6.2%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jul 26	0.08 Yr.
Vikas Garg	1 Jul 26	0.08 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	67.23%
Debt	32.46%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	52.6%
Cash Equivalent	30.46%
Government	16.63%

Credit Quality

Rating	Value
AA	11.76%
AAA	88.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Pipeline Infrastructure Limited Debentures \| -	5%	₹60 Cr	6,000,000 ↑ 5,000,000
India (Republic of) - \| -	4%	₹49 Cr	5,000,000
TVS Credit Services Limited Debentures \| -	3%	₹40 Cr	4,000,000
India (Republic of) - \| -	3%	₹39 Cr	4,000,000 ↑ 4,000,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Muthoot Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000
Rec Limited Debentures \| -	2%	₹25 Cr	2,500,000
TATA Projects Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000
360 One Prime Limited Debentures \| -	2%	₹25 Cr	2,500,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000

9. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹11,165 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.23% (upper mid).
1M return: 0.58% (top quartile).
Sharpe: 0.71 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (bottom quartile).
Modified duration: 0.41 yrs (upper mid).
Average maturity: 0.68 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~104%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.8%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (01 Sep 26)	₹6,416.74 ↑ 1.80 (0.03 %)
Net Assets (Cr)	₹11,165 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	0.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	8 Months 5 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,359
31 Aug 23	₹11,046
31 Aug 24	₹11,849
31 Aug 25	₹12,721
31 Aug 26	₹13,512

SBI Magnum Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.3%
1 Year	6.2%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7%
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	1.21 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	103.58%
Other	0.42%

Debt Sector Allocation

Sector	Value
Corporate	56.25%
Cash Equivalent	55.94%

Credit Quality

Rating	Value
AA	21.86%
AAA	78.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹792 Cr	80,000,000
TATA Communications Limited Debentures \| -	5%	₹550 Cr	55,000
Muthoot Finance Limited Debentures \| -	3%	₹324 Cr	32,500
Adani Power Limited Debentures \| -	3%	₹299 Cr	30,000
Avanse Financial Services Limited Debentures \| -	2%	₹249 Cr	25,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹249 Cr	255
Muthoot Finance Limited Debentures \| -	2%	₹199 Cr	20,000
Eris Lifesciences Limited Debentures \| -	1%	₹150 Cr	15,000
TATA Motors Limited Debentures \| -	1%	₹150 Cr	1,500
7.03% Chhattisgarh Sdl 2026 Sovereign Bonds \| -	1%	₹150 Cr	15,000,000

10. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (top quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (top quartile).
Average maturity: 0.23 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value

IDBI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।